US Mortgage Loan Setup Specialist

Job Expectations:

• Position Type: Individual Contributor - Associate
• Employment Type: Full-Time, Permanent (Direct Hire)
• Work Setup & Location: Fully WFH - Metro Manila
• Number of Headcounts: 20+ FTEs Available
• Work Schedule: Weekdays; Night Shift
• Industry: Business Process Outsourcing

About the Job:

You will support end-to-end loan setup activities based on established checklists and guidelines to ensure smooth loan processing.

Key Responsibilities:

• Review loan files and ensure all requirements in the Loan Setup Checklist are completed.
• Check loan eligibility based on defined guidelines and requirements.
• Verify e-signatures for all required loan documents.
• Confirm rate lock details and ensure accuracy.
• Review standard and prebuilt loan conditions for completeness.
• Validate property address and county information (USPS verification).
• Order required third-party reports, including a fraud report and a flood certificate.
• Request verification of employment (VOE) through Equifax / The Work Number.
• Order title and appraisal reports as required.
• Check for PMI (Private Mortgage Insurance) requirements.
• Verify taxes and insurance details, including proper escrow setup.
• Ensure accuracy and completeness of loan data before submission to underwriting.
• Coordinate with internal and external stakeholders to resolve missing or incomplete loan requirements.

Qualifications:

• At least a K-12 Graduate.
• At least 1 year of experience in US mortgage loan processing; experience using the Encompass tool is a big plus.
• Knowledge of escrow, appraisal, title, and credit processes is an advantage.
• Ability to work in a fast-paced, dynamic environment.
• Proficient in basic computer navigation and troubleshooting.
• Detail-oriented with the ability to handle multiple tasks.
• Can start immediately, if possible.
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